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Travel Insurance is highly recommended.  Prices are based on cruise fare.  For Interior and Oceanview Cabins Price is $49 per person.

Enjoy some peace of mind, no matter what life throws your way. Royal Caribbean Travel Protection may help protect you before, during and after your voyage with cancellation and interruption benefits, sickness and accident medical services, and baggage protection.

The Royal Caribbean Travel Protection Program

The Cancellation Penalty Waiver and Cruise Vacation Cancellation Enhancement Program - non-insurance features provided by Royal Caribbean
Cancellation Penalty Waiver*: up to 100% of cash back for Royal Caribbean cancellation fees if you cancel for a specified reason
Cancel For Any Reason Cruise Vacation Enhancement: up to 90% of Royal Caribbean cancellation fees in the form of a future cruise credit if you cancel for any other reason
*Notice to New York and Hawaii residents only: The Cancellation Penalty Waiver is not available in New York and Hawaii. Instead, Trip Cancellation benefits are underwritten by Arch Insurance Company. In addition, the Cancel for Any Reason Cruise Vacation Enhancement can be purchased separate from the Travel Insurance Benefits. Contact Aon Affinity at 1-888-722-2195.

Travel insurance benefits underwritten by Arch Insurance Company
Trip Interruption: up to 150% of total trip cost if you can't start or finish your cruise vacation because you're sick or hurt, there's a death in the family or another covered reason
Trip Delay: up to $2,000 ($250/day) for catch-up expenses if you’re delayed for 3 or more hours
Missed Connection: up to $300 if you miss your trip departure for covered reasons by 3 or more hours
Emergency Accident Medical: up to $25,000 if you get hurt on your cruise vacation
Emergency Sickness Medical: up to $25,000 if you get sick on your cruise vacation
Emergency Medical Evacuation: up to $50,000 if you need emergency medical transportation
Baggage Protection: up to $1,500 ($500/item) if your bags are lost, stolen, or damaged
Baggage Delay: up to $500 to buy necessary personal items if your bags are delayed for 24 hours or more

Worldwide Emergency Assistance, services provided by CareFree Travel Assistance™
Enjoy 24/7 global assistance during your trip. Services include:

CareFree Travel Assistance™
Medical Assistance
Emergency Services

The Royal Caribbean Travel Protection Program is not in effect until the plan cost has been received by Royal Caribbean, in addition to any cruise deposits/payments due.

For more info please use the link below

https://www.archinsurancesolutions.com/coverage/Royal